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The Best Car Insurance Companies of July 2021

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We review the best car insurance choices on the market and offer insights on the industry as a whole, including how to find the best premiums. Scroll on to learn how to save on your policy.

Money’s Top Picks for Car Insurance Companies of 2021

Amica Mutual – Best Car Insurance Package

  • No-cost airbag replacement after it deploys
  • Lock replacement in the event of stolen keys
  • $1,000 for bail bonds and wage reimbursement if you’re required to appear in court
  • No rideshare insurance
  • Not all features available nationwide
  • Coverage is not available in Hawaii

JD POWER RATING

Highest Overall

JD POWER RATING

Highest Overall

JD POWER RATING

Highest Overall

Amica Mutual stands out for its most robust car insurance package, Platinum Choice Auto, which includes Advantage Points, a program where policyholders earn rewards for good driving, renewing policies, and referring others. Advantage Points can also reduce or even eliminate your deductible.

If you don’t select Platinum Choice Auto, Amica Mutual still has extensive coverage options. The basics are personal injury protection, property damage, bodily injury liability and uninsured/underinsured motorists. More options include: glass repair, auto loan/lease gap protections, comprehensive and collision coverage, roadside assistance and rental reimbursement.

Amica Mutual offers discounts for:

  • Bundling policies, insuring multiple cars and company loyalty
  • Paperless payment, up-front premium payments and AutoPay
  • Good driving habits; filing no claims in the past three years and taking defensive driving classes
  • Underage drivers who complete training program, students with good grades, and full-time students who are away at school

State Farm – Best for Young Drivers

  • Provides rideshare insurance in most states
  • Save money with Drive Safe and Steer Clear programs
  • Travel expenses coverage
  • DriveSafe program not available in CA, MA, and RI

JD POWER RATING

Above Average (878-1,000)

JD POWER RATING

Above Average (878-1,000)

JD POWER RATING

Above Average (878-1,000)

State Farm offers great savings on standard policies and a selection of specialty policies few other companies can match. If you own a classic automobile or a sports car, are a young driver, or plan on renting a car, there’s a State Farm policy that’s tailor-made for your car insurance needs.

If you have a young driver at home, the best way to insure them is to add them to your policy and take advantage of State Farm’s discounts. If they get good grades, they can save up to 24% on premiums and qualify for other discounts if they study away from home, complete driving training programs, and maintain a safe driving history.

Finally, State Farm’s Steer Clear program lets drivers under 25 complete a training course that may result in a reduced premium. The company also has programs designed to help motorists save. With their Drive Safe & Save program, safe drivers can pay up to 30% less after having their driving practices monitored and analyzed.

State Farm’s travel expenses coverage pays for meals, transportation (home or to your destination) and lodging if your vehicle is disabled in an incident 50+ miles from your home that’s covered by your comprehensive or collision insurance. A return trip to pick up your car is also covered. Additional coverage types include: liability, uninsured/underinsured motorist, medical payments, roadside assistance and rideshare (if you use your car for Uber or Lyft).

State Farm offers discounts for:

  • Bundling with renters, homeowner’s or life insurance
  • Insuring more than one car
  • Safe driving
  • Taking defensive driving courses in some states
  • Having safety features (seatbelt, airbags) on older vehicles
  • Adding anti-theft alarms and other security devices to vehicle

Farmers – Best for Discount Availability

  • Guaranteed Value™ coverage pays out an “agreed value” if your car is totaled
  • Multiple discounts categories
  • First major insurer to offer a discount for alternative-fuel vehicles
  • Discount eligibility and size varies depending on your place of residence
  • Does not offer gap insurance

JD POWER RATING

High (865/1,000)

JD POWER RATING

High (865/1,000)

JD POWER RATING

High (865/1,000)

Farmers Insurance offers a broad range of car insurance discounts and other ways to save on car insurance premiums. For starters, those who offer essential services — such as doctors, nurses, firefighters, teachers, and police officers — are eligible for a premium reduction.

Farmers includes standard coverage options like liability, property damage, collision, comprehensive coverage, uninsured/underinsured motorist, medical payments and personal injury protection. Added coverage types include: rideshare, loss of use, rental reimbursement and roadside assistance. Owners and collectors of classic vehicles will also appreciate Farmer’s coverage of up to $750 on spare parts replacements.

Farmer’s extensive list of discounts offers reductions for:

  • Bundling policies and insuring multiple vehicles
  • Safe driving, good grades and students away from home
  • Homeownership
  • Setting up automatic and paperless payments
  • On-time payment history
  • Shared family car, except in CA
  • Anti-theft, anti-lock brake and passive restraint systems
  • Hybrid/electric vehicles or powered by other alternative fuels, exclusive in CA
  • Military members
  • Employees, members or retirees of particular groups

Travelers – Best Quoting Process

  • Features two accident forgiveness plans
  • Intellidrive program can reduce rates by as much as 20%
  • Optional Premier New Car Replacement coverage bundles new car replacement, loan or lease gap coverage, and a glass deductible
  • Rideshare coverage only available in CO and IL
  • Coverage, discounts, deductibles and features not available in all states

JD POWER RATING

High (865/1,000)

JD POWER RATING

High (865/1,000)

JD POWER RATING

High (865/1,000)

In five minutes or less, Travelers can give you a quote using just your basic personal and car information. You don’t even have to provide a driver’s license number. If you request your auto insurance quote while you’re still insured with another company, you’ll receive up to a 10% discount.

Travelers list of coverage options includes protection for: liability, collision, comprehensive, personal injury protection, medical payments, loan/lease gap coverage, rental reimbursement, accident forgiveness, replacement of new car and roadside assistance. For Uber or Lyft drivers, rideshare is only available in Colorado and Illinois.

Travelers also offers additional discounts for:

  • Policy bundling
  • Homeownership
  • Insuring multiple cars
  • Safe driving
  • Good grades from full-time students,
  • Owning hybrid/electric vehicles

Progressive – Best for Payment Flexibility

  • Snapshot insurance-based rating program
  • Name Your Price tool
  • Compare quotes with Progressive’s comparison tool
  • Loyalty Reward program
  • Pricing varies depending on how you buy, be it through phone, online, or with an agent
  • Discounts vary and are not available in all states

JD POWER RATING

High (865/1,000)

JD POWER RATING

High (865/1,000)

JD POWER RATING

High…

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